Research On SMEs Credit Risk Control About Gansu Branch Of The Bank Of China

In the development of our national economy, SMEs have made outstanding contributions, occupy a more and more important position and gradually function well largely. However, the financing problems widely exist among the small and medium-size enterprises. To solve the financing problems of these enterprises, Commercial bank loans to SMEs remains a key way in current. Recent years, Gansu branch of the bank of China has developed SMEs credit business positively and has achieved a lot in the very beginning. But there are still many problems in the development of credit business. Though there are numerous articles proposing solutions to the financing difficulties of SMEs, from the commercial bank’s point of view, there are few studies on the practices about SMEs credit risk control of commercial banks, tools of bank risk preventing and managing processes and other related aspects.This paper analyses the SMEs credit business practice of Gansu branch of the bank of China, the "BOC Credit Factory" mode of Bank of China and its SMEs credit risk management system, interpreting the related issues about the operation of this mode and the general factors which bring out SMEs credit risks. Based on the current situation about risk control of Gansu branch of the bank of China on SMEs credit business practices, it aims to discover the risk of each credit business process and make a full analyzing from both the internal and external side. In the end, by learning from the experience of domestic and foreign industries, this paper proposes some appropriate strategies to improve the bank’s actual situation.